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About the Role

Responsible for leading and supporting the Bank’s Community Reinvestment Act (CRA), Fair Lending, Home Mortgage Disclosure Act (HMDA), and related compliance programs. Serves as a subject matter expert in regulatory compliance, partnering across business lines to ensure adherence to applicable laws and regulations, monitor and assess risk, support regulatory examinations, oversee reporting and data analysis activities, and provide guidance, training, and strategic recommendations that strengthen the Bank’s CRA and Fair Lending performance. Also provides direct support to the Director of Bank Compliance and serves as a liaison in their absence.

Responsibilities

Lead and enhance the Bank’s CRA, Fair Lending, and HMDA compliance programs.
Oversee the collection, analysis, validation, and reporting of CRA, HMDA, Section 1071, and related regulatory data.
Identify, evaluate, and mitigate compliance and fair lending risks.
Foster effective relationships with regulators, business partners, management, and committees.
Provide training, guidance, and strategic recommendations that strengthen organizational understanding of CRA, Fair Lending, and community development opportunities.
Maintain expert knowledge of CRA, Fair Lending, HMDA, Section 1071, and related regulatory requirements.
Lead implementation and ongoing administration of CRA modernization and small business lending regulatory initiatives.
Coordinate CRA public file maintenance and oversee documentation supporting community development activities.
Monitor and recommend enhancements to lending, investment, service, and outreach strategies that support CRA objectives.
Oversee collection, validation, analysis, and reporting of CRA, HMDA, small business, and small farm lending data.
Maintain reporting databases and supporting documentation.
Utilize analytics tools to perform fair lending and CRA analyses, develop reports, and provide meaningful insights.
Monitor reporting systems and data integrity.
Conduct CRA self-assessments and Fair Lending risk assessments.
Develop recommendations and corrective action plans to mitigate identified risks.
Prepare for and support federal and state regulatory examinations.
Monitor compliance trends and emerging regulatory requirements.
Serve as a subject matter expert and resource for CRA, Fair Lending, and HMDA-related matters.
Deliver training and education to management and business-line personnel.
Partner with lending, mortgage, servicing, branch, and other operational teams.
Assist with development of educational materials, seminars, and outreach programs.
Prepare and support reporting to management, committees, regulatory agencies, and the Board of Directors.
Serve as a member of the CRA/Fair Lending Committee and other working groups.
Keep the Director of Bank Compliance informed of key initiatives, risks, and program developments.
Act as liaison for the Director of Bank Compliance when designated.
Collaborate with Marketing and other stakeholders to support community outreach and documentation efforts.

Requirements

Bachelor’s degree in a related field or an equivalent combination of education and directly related experience.
Minimum of five years of progressive experience in compliance, regulatory oversight, risk management, lending, or a closely related financial services function.
Demonstrated knowledge of Community Reinvestment Act (CRA), Fair Lending, Home Mortgage Disclosure Act (HMDA), banking regulations, and regulatory compliance practices.
Experience conducting regulatory research, interpreting laws and regulations, identifying risk, and developing practical business recommendations and solutions.
Strong analytical skills with the ability to collect, manage, and evaluate large volumes of data and translate findings into meaningful conclusions and action plans.
Proven ability to communicate effectively with employees, senior leadership, executive management, Boards of Directors, regulators, and external stakeholders.
Proficiency with Microsoft Office applications and specialized compliance, reporting, and analytics systems.
Ability to develop and deliver training programs and effectively communicate complex regulatory concepts to diverse audiences.
Previous experience in lending, compliance, mortgage, real estate, or related banking functions preferred.
Experience utilizing CRA and Fair Lending analytics software preferred.
Professional compliance- or banking-related certifications preferred.

Skills

Regulatory compliance
Fair Lending
Home Mortgage Disclosure Act (HMDA)
Community Reinvestment Act (CRA)
Risk management
Data analysis
Reporting
Training
Strategic recommendations
Microsoft Office applications
Compliance systems
Reporting systems
Analytics systems

Location

Remote

Work Type

Hybrid
Full-time

Experience Level

Minimum of five years of progressive experience

Education Level

Bachelor’s degree in a related field
Specialized training in regulatory compliance, legal administration, risk management, or a related discipline preferred
Professional compliance- or banking-related certifications preferred

Salary/Compensations

USD $76,500.00 - USD $98,000.00 /Yr.

Benefits

Medical
Dental
Vision
401(k) Match
Profit Sharing
Paid Time Off
11 Holidays
Tuition Reimbursement
Free Parking throughout Tompkins Community Bank
Employee Referrals

About the Company

Tompkins is committed to a policy of Equal Employment Opportunity ("EEO") with respect to all team members and applicants for employment and a work environment free from discrimination (including unlawful harassment) based on race, color, religion, sex, sexual orientation, transgender status, gender non-conformity, gender identity, gender expression, national origin, age, marital status, domestic violence victim status, disability, predisposing genetic characteristics, military or veteran status or status in any group protected by federal, state, or local law.

Equal Opportunity

Tompkins is committed to a policy of Equal Employment Opportunity ("EEO") with respect to all team members and applicants for employment and a work environment free from discrimination (including unlawful harassment) based on race, color, religion, sex, sexual orientation, transgender status, gender non-conformity, gender identity, gender expression, national origin, age, marital status, domestic violence victim status, disability, predisposing genetic characteristics, military or veteran status or status in any group protected by federal, state, or local law.